The following are qualification steps toward home ownership in this

  • You must complete an in-person 8 hour HUD approved homebuyer education class. Please see list of homebuyer educators.
  • You must be pre-qualified for a fixed rate loan by one of the
    H.O.M.E. approved lenders. (You should receive a Pre-qualification Letter.)
  • The following income documentation should be provided to a H.O.M.E. Approved Lender to forward to Harris County Lending Services:
    • Current two (2) months of checking and savings bank statements.
    • Current two (2) years of income tax returns (include W-2’s, 1099’s, etc.).
    • Current two (2) months of payroll stubs on everyone in the household 18 years old or older.
    • Any other supportive income information, such as child support, alimony, social security benefits, retirement accounts (IRA’s, 401K, etc.), disability or worker’s compensation.
    • Birth certificates on everyone that will be residing in the home.
    • Divorce papers, if applicable.
    • Lender needs to provide tri-merged Credit Report on all adult members in the household.
  • Homebuyer Debt To Income ratio cannot exceed 39/42.
  • Homebuyer must have at least one credit score of 580
  • You must not have owned another home in the U.S. within the
    last 3 years (except a mobile home).
  • You must be a U.S. Citizen or Permanent Resident Alien
    (documentation required).
  • Your lender will need to provide a Verification of Rent
  • Homebuyer's liquid assets may not exceed $25,000.
  • Seller to contribute up to 6% toward buyer's closing costs
  • Your income level must not exceed 120% of the median income. See table below:
View Home Buyer Educators View Approved Lenders
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